For those of you who do a lot of Final Expense/Guaranteed Issue Sales:

1) What are the top 3 Final Expense Carriers ?2) What are the top 3 Guaranteed Issue Carriers ?3) Which carriers have issue ages below age 35 ?

I'm still trying to find some carriers with issue ages below age 35. Lately, I've run into a few people in their 20s and 30s who's conditions would disqualify them for anything except a guaranteed issue product - but - I have not been able to find anything out there for these people (outside of a few 10 or 15 PAY Plans which usually made the monthly premiums very unaffordable).

United Home LIfe just lowered their rates 20% across the board on the Graded Benefit Product and added a bunch of free riders. They also just raised the commission 5% on this product. To see the commission, it is attached to the contract on my website.

They have 1 app with three products on it. The further you make it down that app, the cheaper and better the product becomes. Section one is the graded benefit.You don't have to see the client face to face to use this product. It can be taken through the mail or fax also.